Research On Bank It Organization Structure Optimization Strategy Under The Background Of Fintech

The current development of fintech is changing rapidly,and the economic and financial environment,market competition environment,and customer needs facing bank operations are also undergoing profound changes.The emergence and application of core technologies such as big data,cloud computing,blockchain,and artificial intelligence have brought new impetus to the development of banks,and also brought new requirements and challenges to bank operations.Fintech has become the best time for banks to achieve "curve overtaking" in the same industry competition,and banks have upgraded to build smart banks.Fintech has received widespread attention from governments,the financial industry,the Internet community,and academia.In the process of developing fintech,banks face many theoretical and practical issues in management,such as the impact of fintech on business operations,internal management,customer service,and risk control based on a bank perspective;what will happen to fintech's business model Such changes;and how banks can promote their own informatization construction through fintech,these issues need to be further resolved through research.As the important carrier of the bank's IT activities,what are the opportunities and challenges faced by the bank's science and technology department?How should it seize the opportunity to meet the challenge and realize its own transformation and development?How should the bank's IT organizational structure be adjusted to better face and respond to challenges?In view of the above background,this article is based on the theory of organizational structure,taking Industrial and Commercial Bank as a case,and researching and analyzing the impact of financial technology on the transformation of bank IT organizational structure from the perspective of the bank's technology department.The impact of bank IT organizational structure on the development of bank fintech.The second is the optimized design strategy of ICBC's IT department under the background of financial technology.This research comprehensively uses research methods such as literature research,case studies,and the combination of theory and practice to conduct an in-depth and systematic study and analysis of the relationship between fintech and banking IT organizational structure reform.The research results are as follows:On the one hand,the innovative technical characteristics of fintech are the core force to promote the application of banks.Banks use new technologies to carry out business field innovation,management mode adjustment,and their own transformation and upgrading,thereby promoting changes in the bank's IT organizational structure.On the other hand,banks will promote the optimization of their IT organizational structure during the development of fintech.By adding and adjusting the setting of technology and technology departments,adjusting the distribution of IT architecture,improving the adaptability of IT organizational structure,meeting the development requirements of banks in the new era,and improving research and development.Supply capacity and R&D efficiency,promote the transformation of bank technology and technology departments to value creation,and support the implementation of smart banking strategies.